Home Insurance in Washington County, Kansas
The median home value in Washington County is $117,100, 46% lower than the Kansas median.
The typical home in Washington County was built around 1953. About 60% of homes were built before 1960, about 27 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Washington County, the housing stock is 91% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 37% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washington County has an owner-occupancy rate of 78% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Washington County - 58% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Washington County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Washington County had 5 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $117,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
- Barnes
- Clifton
- Greenleaf
- Haddam
- Hanover
- Hollenberg
- Linn
- Mahaska
- Morrowville
- Palmer
- Vining
- Washington
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)